Roth IRA Calculator (2026): Tax-Free Growth & Contribution Limits
Estimate how much your Roth IRA could be worth at retirement, and check how much you’re allowed to contribute in 2026 at your income.
Updated for the 2026 tax year · Rates checked 14 October 2026
| Balance at retirement | $1,176,399 |
|---|---|
| In today’s money | $495,701 |
| Total contributions | $262,500 |
| Tax-free growth | $903,899 |
| 2026 contribution limit | $7,500 |
- Your Roth IRA could grow to $1,176,399 by age 65, and qualified withdrawals are completely tax-free.
- Your 2026 contribution limit is $7,500.
Your result, explained
Your Roth IRA could grow to $1,176,399 ($495,701 in today’s money), and because it’s a Roth, every dollar of the $903,899 growth comes out tax-free in retirement.
Your 2026 limit is $7,500. Contribute early in the year if you can, so the money has longer to grow, and remember you can withdraw your own contributions (not earnings) at any time without tax or penalty.
Growth by year
| Year | Contributions | Growth | Balance |
|---|---|---|---|
| 1 | $7,500 | $938 | $18,438 |
| 2 | $7,500 | $1,528 | $27,466 |
| 3 | $7,500 | $2,160 | $37,126 |
| 4 | $7,500 | $2,837 | $47,463 |
| 5 | $7,500 | $3,560 | $58,523 |
| 6 | $7,500 | $4,334 | $70,357 |
| 7 | $7,500 | $5,163 | $83,020 |
| 8 | $7,500 | $6,049 | $96,569 |
| 9 | $7,500 | $6,998 | $111,067 |
| 10 | $7,500 | $8,012 | $126,579 |
| 11 | $7,500 | $9,098 | $143,177 |
| 12 | $7,500 | $10,260 | $160,937 |
| 13 | $7,500 | $11,503 | $179,940 |
| 14 | $7,500 | $12,834 | $200,274 |
| 15 | $7,500 | $14,257 | $222,031 |
| 16 | $7,500 | $15,780 | $245,311 |
| 17 | $7,500 | $17,409 | $270,220 |
| 18 | $7,500 | $19,153 | $296,873 |
| 19 | $7,500 | $21,019 | $325,392 |
| 20 | $7,500 | $23,015 | $355,907 |
| 21 | $7,500 | $25,151 | $388,558 |
| 22 | $7,500 | $27,437 | $423,495 |
| 23 | $7,500 | $29,882 | $460,877 |
| 24 | $7,500 | $32,499 | $500,876 |
| 25 | $7,500 | $35,299 | $543,676 |
| 26 | $7,500 | $38,295 | $589,470 |
| 27 | $7,500 | $41,501 | $638,471 |
| 28 | $7,500 | $44,931 | $690,902 |
| 29 | $7,500 | $48,601 | $747,003 |
| 30 | $7,500 | $52,528 | $807,030 |
| 31 | $7,500 | $56,730 | $871,260 |
| 32 | $7,500 | $61,226 | $939,986 |
| 33 | $7,500 | $66,037 | $1,013,523 |
| 34 | $7,500 | $71,184 | $1,092,207 |
| 35 | $7,500 | $76,692 | $1,176,399 |
How a Roth IRA works
You contribute money you’ve already paid tax on. It grows tax-free, and qualified withdrawals after age 59½ (once the account is five years old) are completely tax-free. Your own contributions, though not earnings, can be withdrawn at any time.
2026 limits and income ranges
- Contribution limit: $7,500, plus a $1,100 catch-up from age 50.
- Single / head of household: phases out between $153,000 and $168,000 of modified AGI.
- Married filing jointly: between $242,000 and $252,000.
Above the range, many people use a “backdoor” Roth: a non-deductible traditional IRA contribution converted to Roth.
Frequently asked questions
Roth IRA or traditional IRA?
Roth if you expect your tax rate to be the same or higher in retirement. Traditional if you want the deduction now and expect a lower rate later.
What is the deadline for 2026 contributions?
The tax filing deadline in April 2027.
Can I have a Roth IRA and a 401(k)?
Yes. The limits are separate.